Personal Loans for Bad Credit & Good Credit

Fast Loans Online - $200 to $30,000*

Do you need a loan fast? Apply for quick online personal loans for bad credit or good credit today and use it for any purpose. A personal loan is a great way to get the cash you need quick and easy. Simply find the best loan for your needs from our list of lenders and then complete a short, safe and secure personal loan application online in minutes.

Get a fast online loan for almost any purpose including, but not limited to:
> Major purchases
> Debt consolidation
> Home improvements
> Emergency expenses
> Take a vacation
> Pay bills
> And more!

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We are dedicated to finding the right lender to fit your personal financial needs regardless of your credit score. Our goal is to help match consumers with the best personal loans, installment loans, unsecured loans, and other lending solutions instantly online. Excellent to bad credit we can help you find loans online in just minutes.

Available Lenders

Not all lenders operate in all states or accept all types of credit and so we provide a wide range of lenders nationwide to cover most areas and credit situations. Find the best lender for your financial needs in just minutes. Click the link above to compare lenders and your loan options and apply online. It's fast, free, and instant!

Emergency loans for bad credit are available from many of the lenders in our network. These types of short term loans, commonly known as payday loans or cash advance loans, can be a great way to get $100 up to $1,000 in 24 hours or less with no credit check required in most cases. Payday loans generally have higher interest rates and fees so should be used with a short repayment schedule in mind.

Installment Loans

An installment loan is a loan that is most strongly associated with traditional consumer loans that are repaid over time by regular payments of principal and interest. The term of installment loans may be as little as a few months or up to many years. Interest rates are generally lower and the repayment terms are generally longer than a payday loan. Loan amounts and terms vary by lender.

Home Improvement Loan

Do you need a loan for home repairs, improvements, remodeling, landscaping or other home improvement purpose? A personal loan can be a great way to get the money you need to complete your projects. If you are short on cash but ready to get your project started apply online to get a loan fast.

Debt Consolidation Loan

If you are struggling with debt and unpaid bills a unsecured personal loan can be a good way to consolidate debt into one monthly payment. With loans up to $30,000* you can use this money to consolidate credit card debt or pay bills. Apply online to see if a personal loan for debt consolidation is right for you.

Any Purpose - Multi Use Loan

Do you need a loan for other reasons such as a used car, starting a small business, paying for medical or dental treatments, or for any other personal reason? Many of our lenders allow for their loans to be used for any purpose so are a great way to get the cash you need for any reason.

Bad Credit Loans

We know that everyone has financial problems at times and so we have found the best personal loans for people with bad credit in order to help those with less than perfect credit find bad credit loans fast and easy. Even with very bad credit we can help!

No Credit Check Loans

Many short term loans may not require a credit check however it all depends on each individual lender. If you are seeking no credit check loans then simply check our list of loan providers websites terms to find a no credit check loan online today.

Fast Online Personal Loans

Whether you have excellent or bad credit we can help you find fast online personal loans that match your criteria. Simply complete the short, no obligation application on our website to be instantly matched with the best personal loans online. Start Now!

What is a unsecured loan? Unsecured personal loans, also commonly known as signature loans, are most often used by borrowers for uses such as debt consolidation, home repairs or improvements, vacations, or simply unexpected expenses. With unsecured person loans, the lender relies on the borrowers promise to pay the loan back and does not require a collateral.

What is a secured loan? A secured loan is a loan that requires some form of collateral such as a car, house, etc. Secured loans generally have a lower interest rate because the lender is taking a lower risk since by requiring collateral to secure the loan. Mortgages and car loans are the most common types of secured loans.

What is a installment loan? An installment loan is a type of loan in which the borrower pays back the loan in fixed installments or payments over the term of the loan. These loans generally have a longer payback time than many short term unsecured loans such as payday loans.

What is a payday or cash advance loan? A payday or cash advance loan is a short term loan used for emergencies. Loan amounts usually do not exceed $1000 and these loans must be paid back within a matter of weeks in most instances. Payday loans are a great way to get quick cash for an emergency situation but should not be considered long term lending solutions due to their higher rates and fees.

What will my interest rate be. How long do I have to pay the loan back? Interest rates and payback terms will vary by lender. Please check with the lender directly for their specific rates and terms.

What credit score do I need to get approved for a loan? Each lender looks at credit scores differently and some do not consider your credit score at all. For example a short term payday loan rarely requires a credit check while a more traditional long term unsecured loan may require a credit check and a credit score above a certain threshold. We have tried to provide options for any credit score, good or bad, within our directory of lenders.

How long will it take me to get access to the money? Funding times may vary by each lender. Some lenders may issue funds in less than an hour while others may take a period of a few days, weeks or longer. Please check with the individual lender for estimated funding delivery times.

What about personal loans for people with bad credit? We strive to provide loan options for people with excellent to very bad credit and so we have partnered with companies that provide personal loans for people with bad credit which are available online. Simply complete our short application to be matched with bad credit lenders instantly online with no obligation.

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Get the funds you need fast! We are here to help you find a loan regardless of your financial needs. Whether you have excellent credit, good credit, or bad credit you can use our short and easy, no obligation, online application to find a personal loan lender that is right for you. Start right now to find loans from $200 up to $30,000 today!

More About Common Types of Online Loans

Personal Loans
The term personal loans is simply a general term used for a loan obtained from a bank or other financial institution for the means of personal use. Debt consolidation, vacation, college tuition, the purchase of an automobile and home repairs are just a few examples of what people commonly use personal loans for. The terms of a loan are generally at a fixed interest rate and the length of the loan is determined by the amount borrowed.
There are two types of personal loans, secured and unsecured. With a secured personal loan, personal property such as your home is used to secure the loan. With an unsecured loan, credit history and income are used by the lender to gauge the amount and terms of the loan. Each type of personal loan is described in more detail below.
With an unsecured loan, the lender relies solely on the borrowers credit history and good faith to repay the loan. Therefore, lenders tend to limit the amount of an unsecured loan and the interest rates are usually higher than a secured loan. Unsecured personal loans are a good option for non-homeowners but also may require a good credit score since there is no property securing the loan. If you have bad credit though you may still qualify for an unsecured loan. Some unsecured lenders still provide personal loans for bad credit but may charge a higher interest rate to offset their risk.
A secured personal loan is based on securing the loan with personal property or assets such as your home, a savings account, stocks, bonds, certificates of deposit, etc. Lenders tend to be more flexible when granting a secured loan by giving lower interest rates and longer terms to repay the loan. You can usually borrow a larger amount with a secured loan than an unsecured loan. If your home is used to secure the personal loan, the loan may also be referred to as a home equity loan or a second mortgage.

No Credit Check Loans
No credit check loans are usually the best option for people who have a poor credit rating or for those who have little credit history. This type of loan is commonly referred to as a payday loan or a cash advance loan. These types of loans are generally obtained by providing proof of reoccurring income and a steady job rather than having to rely on a good credit history. No credit check loans are designed to provide cash instantly for any circumstance such as unexpected expenses like car repairs, or when you just need extra cash to get you through to your next paycheck.
No credit check loans have become increasingly popular in recent years due to the ease of obtaining them. Less paperwork is usually required to obtain the loan compared to the traditional loan process. Most lenders only require a few basic qualifications to be approved. These items are: proof of income, proof of a steady job (usually three months or more) and proof of an active checking account that is in good standing.
Instead of having to take time out of your busy day to go to a local establishment, there are many no credit check loan lenders available on-line that can provide you with the same service that you would receive in person. Most of these on-line cash advance lenders will tell you if you are approved within the same business day.
Most lenders will wire the money directly into your bank account within 48 business hours after approval. They will then, on your next pay date, make an electronic debit from your checking account for repayment of the loan. So if you are in the market for a quick and easy way to get cash fast, even with bad credit, a no credit check loan may be the answer for you.

Unsecured Loans
There are many benefits to unsecured loans. There is no collateral required to secure the loan and you do not have to have perfect credit to order to qualify for one. An unsecured personal loan can be used for a variety of reasons. Some of the more common uses include; home improvements, debt consolidation, college tuition, a new car or a luxury family vacation.
Many people who use unsecured personal loans are generally not in a position to offer to collateral for a secured loan. For example, people who have a poor credit history or those who do not own a home will typically qualify for an unsecured personal loan. This type of loan is ideal for people who rent their homes. Although, there are many people who do own their homes and still prefer to use an unsecured loan over a secured loan so that their home is not at risk if for some reason they were to default on the loan.
One of the main benefits of an unsecured loan is the short amount of time it takes to apply, be approved and receive your funds. If you apply online, you will often know if you are approved right away or at least have your answer within the same day. The turnaround time is much faster compared to the secured loan process since there are no appraisals required.
As with all types of loans, the better your credit rating is, the better interest rate you will receive. You can improve your credit score if you be sure to make all of your unsecured personal loan payments on time. Even though you will end up paying higher rates if you have bad credit, it is comforting to know that you at least have options available through an unsecured loan.

Cash Advance Loans
Cash advance loans, or payday loans, are a short term personal loan that is secured by your paycheck. This type of loan is also referred to as a payday loan. The loan is required to be paid back on your next payday. A cash advance is a quick and confidential way to get the cash you need to be used in any way you like, for bills, medical expenses or whatever purpose you may have.
Many people find themselves in a financial bind from time to time. A cash advance loan is a fast and easy solution to help get you through to your next paycheck. Just be sure to borrow only as much as you will be able to repay with your next paycheck and still have enough money to live on until your following payday.
Since there is no credit check and the lender is providing cash on the spot, there are usually high interest rates on a cash advance loan. But many times the high interest fee is still less than reconnection fees, late payment fees or bounced check fees that would have been assessed if a payday loan had not been used.
All you need to qualify for a cash advance loan is an active checking account that is in good standing, employment that provides a steady paycheck and a permanent address. After approval, the funds will usually be wired to your checking account right away. Unless you are using a local cash advance lender, in that case you would normally receive cash or a check. You can apply and receive loans as often as you need to as long as your previous cash advance loan has been paid off and was kept in good standing.

Bad Credit Loans
Bad credit loans can help those who are in need of a loan but have less than perfect credit. Many people in this situation are under the impression that they cannot be approved due to their past credit history. But fortunately, these days there are numerous lenders out there willing to grant loans to people with poor credit. Many people with poor credit have actually improved their credit score by abiding by the terms of a bad credit loan.
With the credit industry being so competitive these days there are more lenders eager to assist people with poor credit than every before. If you are in need of a bad credit loan there are a few things to consider while searching for the best option available for you. You want to make sure that your loan will be reported to the major credit bureaus so you can begin rebuilding your credit rating. You will also want to make sure that you can comfortably cover the payment and abide by the terms of the loan. This is your opportunity to get your credit back on track and you wouldn't want to turn it into a situation where your credit will end up worse than it was.
With the use of the internet is it easy to find a bad credit loan that is right for you and that will cater to your credit situation. Since the lenders are taking a risk by lending to people with bad credit, be prepared to pay a higher interest rate on the loan. How high of an interest rate you may be charged will be determined on how poor your credit rating is. But if you are consistently timely with your payments, after a while you may even be able to get a better interest rate on the loan after proving your credit worthiness. Find the right bad credit loan for you and begin rebuilding your credit today.

High Risk Personal Loans
High risk personal loans are a type of loan that is available for people who have bad credit. People with bad credit are considered to be “high risk” because of previous financial mistakes they have made that have been reported to the credit bureaus. The lender is taking a risk on granting a loan to someone who has a history of not holding up their part of the deal with other lenders and credit card companies. Because of this reason, lenders charge higher interest rates on high risk loans.
It is always recommended to obtain a copy of your credit report before applying for any type of loan, especially before applying for a high risk personal loan. Since lenders assess your creditworthiness based upon your credit report it is important for you to know how much of a risk that they see you as. The lower your credit score is, the more of a loan risk you are considered to be. By knowing exactly what is on your credit report, you will be educated about the situation and will have the tools you need to make sure that you will get the best deal available for your credit situation.
As when looking for any good deal, shopping around is always your best bet. Many people with bad credit jump at the first high risk personal loan that they are offered. Unfortunately for those people, the first opportunity isn't always the best. By being patient and taking the time to do a little research, you can save yourself money and ensure your chance for approval. The Internet is a great resource to research the best high risk personal loans available for you and your needs.

Bad Credit Personal Loans
Bad credit personal loans are loans designed for people who have a damaged credit history. A bad credit rating can be caused by a multitude of ways. Making late payments on your loan and credit card accounts or by defaulting on a loan will bring your credit score down. Your credit can also be damaged when you default on a non-credit account like your phone or cable bill and then company reports you to a credit agency to collect payment.
Your credit score can also be devastated by errors or false information that may be on your credit report. Many people have found erroneous information on their credit report that was making the process of getting financing even more difficult. That is why it is recommended to obtain a copy of your credit report before applying for a bad credit personal loan. Knowing what is on your credit report can save you a lot of time and hassle in the loan application process as well as alert you to any mistakes that may be lurking in the background. If you find errors on your credit report, they can be disputed and removed which could greatly help your credit score.
There are two types of bad credit personal loans, secured and unsecured. As with a regular secured loan, the loan is secured with collateral. For example, your home or automobile may be used as collateral to obtain a loan. But you should be very certain that you can repay the loan because if you default on a secured loan, the collateral used for security can be seized by the lender.
For the many people who do not own their home and do not have any other collateral to obtain a secured loan, an unsecured loan is a great option. In order for the lender to take the risk of lending to someone with bad credit and who has no collateral, they will charge a much higher interest rate. For most people, paying a higher interest rate is worth the benefit of having the ability to obtain a loan. A cash advance or payday loan is also a smaller form of a bad credit personal loan.

Payday Loans
Payday loans are very short term loan for the purpose of providing cash to the borrower until their next payday. The cash may be used for any purpose. Many people need extra cash in between paychecks to cover an unexpected bill or for emergency purposes. You may have also heard this type of loan referred to as a cash advance loan, paycheck loan, check loan or a payroll advance loan.
There is no credit check in order to obtain a payday loan. That is why it is a very commonly used resource for those who have bad credit. The amount of cash you can borrow is determined on the total amount of your monthly income. Obviously the higher your monthly income is, the more you will qualify for. The total amount of the loan plus interest will be due back to the lender on your next payday. If you are unable to repay the full amount on time, most payday lenders will allow you to extend your due date by charging additional interest and fees.
There are just a few qualifications for a typical payday loan. You must have a current job or a regular source of income; you must have a checking account that is in good standing; you must be at least 18 years of age and be a US citizen. A great benefit to a payday loan is the fast turnaround time. The process is very simple and you will usually have your cash within 24 hours of applying for the loan. Most of the payday lenders will wire the money right into your checking account. There are many payday lenders available online. Getting a payday loan online is often easier to deal with than finding a local lender, driving there and then having to stand in line.

Unsecured Personal Loans
Unsecured personal loans can provide you with the money you need for whatever purpose you may have. Debt consolidations, home repairs, a luxury vacation, the purchase of an automobile are just a few of the most common items that people finance with an unsecured loan. Signature loans and personal lines of credit are examples of unsecured loans. Most credit card charges are also considered as a form of an unsecured loan.
There is no collateral required to secure the loan, which is why it is called an unsecured loan. Instead, the lender relies solely on the borrower's credit history and good faith to repay the loan. Unsecured personal loans are a great way for non-homeowners to get financing since there is no collateral required. The interest rate tends to be a little higher and the amount of the loan can be limited with an unsecured loan compared to a secured loan.
The better your credit rating is the better interest rate you will receive on your unsecured personal loan. But if you are among the millions of people who do not have perfect credit, do not worry. There are many lenders willing to work with people who have poor credit. But be prepared to pay a higher interest rate if you have credit issues.
Unsecured personal loans are granted by banks, credit unions, private lending companies and other financial institutions. The Internet is a great place to search for the best unsecured loan deals. Often people have found that online lenders can top the interest rates offered by local banks. Of course the amount of the loan and interest rate offered will depend on the lender, your income and credit report details. No matter what your credit situation, search online to find the best unsecured personal loan offer available for you!

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